Money market/treasuries (even ETF like SGOV) gets pretty close to 5% when typical savings rate is a bit under

If treasuries “fail” we have a different class of problem.

Rates are around 3.5% right now before taxes.

There's still many high interest savings accounts that are at least 4%

	▲	AbsurdCensor 4 minutes ago \| parent [-]
		And you still need at least 5% to do what OP is suggesting.